U.S. Bank Student Checking Account

The smart, easy way to manage your money.

Your checking account is the center of your financial universe. It’s a safe, convenient place to stash the cash you’ll need for bills and other expenses. You can even have your financial aid deposited directly to your account. And when you need to pay for things, you can go online, swipe your debit card, write a check, or withdraw cash from a nearby ATM.

Our Student Checking account is a great choice for most college students, but U.S. Bank has other checking account choices too, so you can find the best fit for your own financial needs.

Our Student Checking account makes the grade.

Our Student Checking account is both affordable and convenient.

No monthly maintenance fee — Our Student Checking account has no monthly maintenance fee. (If you prefer to receive paper statements in the mail, you’ll be charged a $2 Paper Statement Fee per month. If you enroll in eStatements, there is no monthly charge for receiving your statement.)

No minimum balance —— Our Student Checking has no minimum balance requirements. Just remember that any time you try to spend more money than you have in your account, you could be charged an overdraft fee.More about overdrafts

Free U.S. Bank ATM transactions — Our Student Checking allows unlimited transactions from thousands of U.S. Bank ATMs. You won’t be charged to withdraw or deposit money from U.S. Bank ATMs. Additionally, transactions at ATMs that are part of the MoneyPass® network will not be charged a surcharge fee. Find U.S. Bank ATMs | Find MoneyPass ATMs

No U.S. Bank fee on first four non-U.S. Bank ATM transactions per statement period — This is the period of time covered by each monthly bank statement. Be aware, however, that most non-U.S. Bank ATMs charge fees of their own, typically $2 or more per transaction.

Online Banking with free credit score access — We let you get your score for free, and simulate how real-life scenarios and decisions you make can influence it - without having to learn the hard way.

Online Reporting — download a year-to-date summary or an annual account summary for your U.S. Bank credit and debit cards.

Free first box of checks — Writing checks might seem old school, but there will come a time when you’ll need one. So be sure to request a box when you open your checking account – your first order is free.

A great Mobile app and more — You can take care of almost every type of transaction using U.S. Bank Online and Mobile Banking. You can find out how much money you have, deposit a check, even pay a roommate for pizza – all from your laptop or smartphone.More about Online + Mobile Banking

You can open a Student Checking account right now.

What you’ll need to open a new account

A $25 opening deposit — If you apply online, you can pay the opening deposit with a credit or debit card, including a parent’s card.

ID and Social Security Number — Whenever you open a bank account, your identity and proof of U.S. residency need to be verified – which means you might be asked to submit a copy of your driver’s license or similar government-issued ID.

Parent co-owner (if you’re under 18) — If you haven’t celebrated your 18th birthday yet, you'll need to go to a U.S. Bank branch to open an account and have a parent be a co-owner of the account.

Choose to “opt in” or “opt out” of ATM and debit card overdraft coverage — When you open your new account, you’ll be given the option to “opt in” or “opt out” for overdraft coverage for ATM and debit card transactions.

After you open your account: Four smart next steps

Sign up for eStatements.

Going paperless means you won’t have to pay a monthly fee for paper statements. If you prefer to receive paper statements by mail, the monthly fee will be $2.

Set your low-balance "alarm clock."

Want to know when your balance goes below a certain dollar amount? Set up text or email alerts. It’s an easy way to prevent small purchases from adding up to a big overdraft fee.How to set up alerts

Unsupported Browser

We've detected that you are currently accessing this site using an older version of Internet Explorer. We have not designed this site to support older versions of Internet Explorer. Therefore, you may encounter issues with how the site is displayed and how you can navigate through the site when using this older browser. We highly recommend you upgrade your current browser or download a new version of a different browser.